Pensions are constantly evolving especially where employers are involved. We’ve seen the introduction of Stakeholder Pensions and more recently Auto Enrolment Pensions which has been a massive shake up in the industry with employers being concerned about getting things right and the fines involved if they get it wrong.
All employers will eventually need to offer an Auto Enrolment Pension to all staff so it is a massive area for advice.
We can review existing pension arrangements and check whether they are appropriate to be used for Auto Enrolment purposes. We offer assistance and advice from start to finish ensuring everything is done right.
Please note that FCA does not regulate auto enrolment.
It is well publicised that the Governments Basic State Pension is reducing in value as time goes by, and that the majority of pensions in the UK are underfunded, so this places huge importance on individuals to ensure they are saving sufficiently to support themselves through retirement. There are many ways to save for your retirement, and as the pensions industry is constantly evolving, it is imperative to make sure you receive the right advice.
PLEASE NOTE: A pension is a long term investment. Once money is paid into a pension it cannot usually be withdrawn until age 55.
Here are a couple of our more popular services...
Personal Pension Plan
We are able to project possible future retirement funds, based on any number of factors, and together calculate what level of pension contribution should be made to achieve your goals. Independent analysis of the market will be prepared to ensure the right contracts, with the right provider, are considered.
Personal Pension Switch
Many people have ‘paid up’ pensions from previous employment dotted around and so we offer a comparison analysis service to see whether it would be in your best interest to switch your pension fund(s) to another provider. The aim is to improve upon the financial strength of the provider, ensure you are getting value from the contract charges, and evaluate the investment fund performance with a view to making improvements if deemed suitable.